Ag Loans

For Equipment & Livestock Loans, Operating Loans, USDA Financing and More

Local farming operations are what helped build our communities, and Citizens Savings Bank is committed to supporting local farmers and their families. Ag loan options are available to help local farmers get their operation off the ground, expand and continue growing:

• Real Estate Loans
• Equipment & Livestock Loans
• Operating Loans
• Beginning Farmer Loans
• USDA Financing

Agriculture is the backbone of our local economy, and Citizens Savings Bank is here to ensure success for local farming families. To learn more about Citizens Savings Bank’s ag loan options or get started, contact Citizens Savings Bank today.

Appointment Check-List

Existing Business

Last 3 years of fiscal year end balance sheets
Last 3 years of income statements
Cash Flow projections View Worksheet PDF
Signed personal financial statement View Financial Statement PDF
Last 3 years of personal and business federal tax returns

Business Acquisition

Last 3 years of fiscal year end balance sheets
Last 3 years of income statements
Interim balance sheets and income statements
Signed personal financial statement  View Financial Statement PDF
Last 3 years federal tax returns on the business
Signed purchase agreement and
Projections for at least one year - cash flow, balance sheet, and income statement View Worksheet PDF

Start-Up Business

Detailed business plan
Signed personal financial statement  View Financial Statement PDF
Last 3 years federal tax returns on individual
Projections for at least one year - cash flow, balance sheet, and income statement View Worksheet PDF

All Requests

If a corporation - Articles of Incorporation
If a partnership - Partnership Agreement
If a LLC - Articles of Organization
Use of Proceeds